SohoCredit review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

SohoCredit suits Polish borrowers with poor credit who need an instalment loan quickly. Amounts run PLN 100 to PLN 10,000 on a fixed rate, and as a broker it matches you with a lender rather than lending the money itself, so the rate you sign is the lender's.

Key facts

Best for
Polish borrowers with poor credit who want a fee-free instalment loan paid out the same day.
APR
0% to 51.1% (Source, checked September 26, 2026)
Loan amount
PLN 100 to PLN 10,000 (Source, checked September 26, 2026)
Term
36 months (Source, checked September 26, 2026)
Arrangement fee
0 PLN - service is free, no commission or hidden fees (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
15-30 minutes in the fastest cases, usually 2-4 hours, at latest by the end of the next business day (Source, checked September 26, 2026)
Representative example
Instalment loan: RRSO 11.61%, credit amount excluding costs PLN 10,000, total repayable PLN 11,791.18, fixed interest 3.99%, total credit cost PLN 1,791.18 (fee PLN 1,087.35, interest PLN 695.73), 36 months; max RRSO 178.38%, average RRSO 17.28% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
18-75 years old, Polish ID card and an account in a Polish bank (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Payday (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Findao sp. z o.o. (Source, checked September 26, 2026)
Headquarters
Poland (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
sohocredit.pl

Pros and cons

Pros

  • The service charges 0 PLN - service is free, no commission or hidden fees, so nothing is taken for finding the lender.
  • The check is soft prequalification (soft prequal), so you can see an offer without a full file search.
  • Early repayment is free, so paying off sooner cuts the cost rather than adding a charge.
  • Support runs on email, chat and phone, and same-day funding suits a bill you cannot put off.

Cons

  • SohoCredit is a broker (broker), so the rate comes from another lender rather than the service.
  • The advertised APR is 0% to 51.1%, a band wide enough to include very costly loans.
  • The representative example pairs an average cost with a much higher maximum, so a loan can cost more than the headline range suggests.
SohoCredit

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Adults in Poland who hold a Polish ID card and keep an account with a Polish bank.
  • Borrowers with a thin credit file who prefer a soft prequalification check (soft prequal) to a hard search.
  • People who expect to clear the balance sooner, since early repayment costs nothing.

Who should look elsewhere

  • Borrowers who want a fixed rate on paper: Monzo Flex quotes 10% to 23%, a narrower band than the 0% to 51.1% spread here.
  • Anyone wanting to borrow with no interest cost: Cashspace ES lists 0% for its offer.

Safety and regulation

SohoCredit is a broker (broker), so it puts your application to lenders rather than lending the money itself, and the contract comes from whichever lender approves you. The published representative example is the only worked figure to go on, and it pairs an average cost with a much higher maximum, which shows how much the lender you are matched to shapes what you pay.

Who runs it

SohoCredit is run by Findao sp. z o.o. and is based in Poland, so it is a domestic service rather than an international platform. You deal with the service for the application and with the lender afterwards. Support runs on email, chat and phone, which gives you several ways to reach the team once your file is open.

How SohoCredit compares

Where SohoCredit is available

Available
Poland

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does SohoCredit charge to arrange a loan?+

The service charges 0 PLN - service is free, no commission or hidden fees and the percentage fee is 0%, so the matching is free. Any interest or charge in the representative example comes from the lender, not the broker, which is why the offer you are shown matters most.

Who can apply for a SohoCredit loan?+

You must be an adult with a Polish ID card and an account at a Polish bank, and the service is based in Poland. It is a single market service, so a Polish bank account is the real hurdle for anyone who has just moved here or banks abroad.

How much can I borrow and over what term?+

Amounts run PLN 100 to PLN 10,000 and the standard term is 36 at a fixed rate. Since SohoCredit is a broker, the final amount and term come from the lender that approves you, so treat these as the guide to what you can ask for.

How quickly does the money arrive?+

Same-day funding is listed as a feature (same day funding), with the fastest cases landing within minutes and most applicants seeing money within a few hours. The stated worst case is the end of the next business day, which still suits a bill you cannot put off.

What credit check will I go through?+

SohoCredit uses a soft prequalification check, shown as soft prequal, which reads your file without the full search a formal application needs. It is aimed at borrowers with poor credit (poor), so an imperfect file is expected rather than a dealbreaker.

Who actually lends the money?+

SohoCredit is a broker, listed as broker, so it matches your application with lenders rather than lending to you directly. The contract, the interest and the repayment dates all come from the lender, and they are the party you deal with once the payment lands.

Can I repay the loan early?+

Yes, early repayment is free, so clearing the balance before the agreed end date costs nothing extra. With a fixed rate over 36, paying off early also takes the interest saving off the total repayable set out in the representative example.

Sources

  • sohocredit.pl checked September 26, 2026

    Backs: APR, Eligibility, Features, Headquarters, Legal entity, Loan types, Pricing model, Rate type, Representative example, Support channels, Term

    “RRSO: from 0.00% ... Maximum RRSO may be: for a short-term loan up to 317.03%, for instalment loans up to 51.10%, for bank loans up to 18%”

  • sohocredit.pl/pytania-i-odpowiedzi checked September 26, 2026

    Backs: Loan amount, Credit check, Credit needed, Free early repayment, Funding time, Lender type, Arrangement fee, Origination fee (%)

    “From 100 zloty to even 10 000 zloty - the final amount depends on the chosen company and your financial capacity”

Compiled from 2 source pages, checked September 26, 2026. We did not open an account.

SohoCredit

SohoCredit

Polish borrowers with poor credit who want a fee-free instalment loan paid out the same day.

9.0/10See alternatives

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